Merchant processing for high-risk RUO companies

Two ways to take cards. Choose what fits your business.

Get paid in stablecoins about 15 minutes after each sale with card to crypto, or take all cards through a domestic bank provider with standard processing. Neither has a rolling reserve or a monthly minimum, and both include every member service.

2processing options
$0rolling reserves
$0monthly minimums
Merchant processing

Two options. One team.

Standard merchants also keep card to crypto as an option and backup.

Fastest payouts

Card to Crypto

$100 per month
network fee
4% per
transaction
  • Paid in stablecoins in about 15 minutes
  • Same-day approval
  • No setup fee, credit check or business information
  • MATCH-listed merchants accepted
  • No rolling reserve, no monthly minimum
  • All member services included

Trade-off: less user friendly. Customers pay through PayPal, Cash App or Venmo.

Easiest checkout

Standard Processing

$500 one-time
setup fee
$250 per month network
and compliance fee
8% per
transaction
  • All cards, through a domestic bank provider
  • More user friendly for your customers
  • Paid by ACH in 1–4 days
  • Approval in 1–2 business days
  • Credit check and business information required
  • No rolling reserve, no monthly minimum
  • Card to crypto kept as an option and backup
  • All member services included

Trade-off: MATCH-listed merchants aren't accepted, and a business name rule applies.

High-risk processing

Built for high-risk RUO companies

Research use only (RUO) businesses are often labeled high risk and turned away by traditional processors. BBWholesale gives them two ways to take cards.

Traditional processors
  • Long underwriting, frequent declines for RUO products
  • Accounts reviewed, frozen or closed with little warning
  • Rolling reserves and monthly minimums
  • Support that doesn't understand the RUO market
BBWholesale
  • High-risk RUO merchants are who we serve, not an exception
  • Approval in 1–2 business days at most, same day for card to crypto
  • No rolling reserves and no monthly minimums on either option
  • Support and compliance updates from a team that knows RUO
How it works

Same card payment. Two ways to get paid.

Card to crypto

  1. Customer pays by card through PayPal, Cash App or Venmo.
  2. BBWholesale converts the sale into stablecoins.
  3. Stablecoins reach your Polygon wallet in about 15 minutes.

Full card to crypto details →
See the crypto demo checkout →

Standard processing

  1. Customer pays with any card in a familiar checkout.
  2. A domestic bank provider processes the payment.
  3. You're paid by ACH to your bank account in 1–4 days.

Full standard processing details →

Why BBWholesale

Built to keep you taking cards

No rolling reserves, no monthly minimums and no opaque rate sheets, whichever option you choose.

A payout speed that suits you

Get stablecoins in about 15 minutes with card to crypto, or ACH deposits to your bank in 1–4 days with standard processing.

Fast approval

Same day for card to crypto, 1–2 business days for standard processing.

Card to crypto in minutes

You get the code and/or plugin the moment you sign up, 24/7, so your checkout can be live in about 10 minutes, not weeks.

Easy-to-reach support

Talk to real people who know your account. No phone trees or ticket queues.

Card to crypto: WooCommerce plugin

Install our plugin, add your credentials and start accepting payments on your WooCommerce store.

Card to crypto: custom APIs

Running a custom build? Plug our API straight into your own checkout flow.

Straightforward pricing

Card to crypto is $100 a month plus 4%. Standard is $500 setup, $250 a month and 8%. That's the whole price sheet.

Pricing

Know the cost before you sign up

Move the slider to compare both options at your volume.

Monthly card volume
$25,000
Card to crypto
Monthly fees$1,100
You receive$23,900
Standard processing
Monthly fees$2,250
You receive$22,750

Estimate only. Standard processing also has a $500 one-time setup fee, not shown above. Card to crypto excludes blockchain gas or wallet fees outside BBWholesale.

Card to crypto integrations

Works with your store, however it's built

Use our WooCommerce plugin for a no-code setup, or connect any custom website through our API.

WooCommerce plugin REST API Polygon payouts
// Example: create a checkout session
const session = await fetch("https://api.bbwholesale.example/v1/checkout", {
  method: "POST",
  headers: { Authorization: `Bearer ${API_KEY}` },
  body: JSON.stringify({
    amount: "149.00",
    currency: "USD",
    payout_network: "polygon",
    order_id: "WC-10432"
  })
});
FAQ

Common questions

What are my two processing options?

Card to crypto pays you in stablecoins in about 15 minutes for $100 a month plus 4%. Standard processing takes all cards through a domestic bank provider and pays by ACH in 1–4 days for a $500 setup fee, $250 a month and 8%.

Which option should I choose?

Choose standard processing if you want the most user-friendly checkout and bank payouts, and you can meet its requirements. Choose card to crypto if you want the fastest payouts and lowest cost, or if you're MATCH listed. Not sure? Book a consult.

Can I use both?

Yes. All standard merchants keep card to crypto as an option and backup.

Do you work with high-risk RUO companies?

Yes. That's who we built BBWholesale for. Research use only (RUO) businesses are often declined or dropped by traditional processors.

I've been declined or shut down by another processor. Can I still apply?

Yes, you can apply. MATCH-listed merchants can use card to crypto, but not standard processing. Book a consult and tell us about your business.

Do you hold rolling reserves or require monthly minimums?

No. Neither option has a rolling reserve or a minimum monthly transaction amount.

How fast is approval?

Card to crypto approval happens the same day. Standard processing takes 1–2 business days and requires a credit check and business information.

How fast do I receive my funds?

Card to crypto pays in about 15 minutes. Standard processing pays by ACH in 1–4 days.

Are there rules about my business name?

For standard processing, your legal LLC or Inc name can't include peptides, compounds or amino. A DBA with those words is OK. Card to crypto has no such rule.

Do I still get member services?

Yes. All member services still exist on both options, including wholesale pricing, 3PL and dropshipping, and compliance updates. See membership benefits.

Does it work with my website?

For card to crypto, use our WooCommerce plugin or custom website APIs. For standard processing, book a consult and we'll walk you through it.

How do I reach support?

Our team is easy to reach. Merchants get direct access to support for setup, integration and account questions.

Free email updates

Get the RUO Compliance Brief

Rules in the research use only market change quickly. Get a short email when something important changes, so you hear about it early.

Free. RUO compliance updates plus occasional BBWholesale news and offers. Unsubscribe at any time.

Ready when you are

Choose how you take cards

Start with card to crypto today, or talk to us about standard processing. Either way, you get no rolling reserves, no monthly minimums and every member service.